Finding Tear Out Coverage

Sunday, June 17th, 2001 Property

Tear out may be covered under most standard and non-standard homeowners policies as part of the repair of a covered loss; in accord with a special grant of coverage; as part of a protective measure after loss; or in order to fulfill your burden of proof. Part of the Repair: Suppose it is clear that a heavy vehicle caused a pipe to rupture. The repair of the pipe is covered and so is the cost to access the pipe in order to perform the repairs. Special Grant of Coverage: In the HO 00 03, there is a special grant in the form of an exception to the “all risk exclusions,” which include wear and tear, deterioration, inherent vice, latent defect, mechanical breakdown, settling of pavements, and animals. The exception reads:

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http://www.claimsmag.com/Issues/May01/can.asp

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